Description

The beauty industry today encompasses a wide range of services and PPIB’s program provides coverage for most.  For salon and spa facilities, it provides Professional and General Liability, including Products Liability, for the following:

  • Hairdressing & Barbering Services 
  • Eyelash and/or Eyebrow Enhancement
  • Sugaring/ Threading 
  • Waxing including Brazilian 
  • Topical Makeup Application 
  • Manicures & Pedicures 
  • Facials 
  • Electrology 
  • Massage/ Endermologie including Hot Stone 
  • Needling/ Collagen Induction Therapy
  • Airbrush Tanning 
  • Microdermabrasion 
  • Reiki
  • UV Tanning 
  • LED Light Therapy 
  • Microcurrent 
  • Dermaplaning 
  • Aesthetics/ Medical Peels 
  • Body Wraps 
  • Cryo Spot Treatments 
  • Ear/Nose Piercing 
  • Non Invasive Ultrasound 
  • Aesthetic Radio Frequency 
  • Non Needle, Non Prescription Spring Pressure Treatments 

Who’s Covered:  Salon and spa facilities and their employees and coverage can be extended to independent contractors.

Liability:

  • General Liability and Professional Liability with limits up to $1,000,000/$2,000,000
  • Can Include:
    • HIPPA defense
    • Communicable disease
    • Sexual abuse
    • License action
    • Cyber Protection 
  • Personal and Advertising Liability
  • Products Liability including Private Label Products 
  • Medical Payments up to $5k
  • Fire Legal Liability up to $100k
  • Excess Liability 

Property:

  • Building
  • Business Personal Property
  • Business Income and Extra Expense
  • Contingent Business Income 
  • Equipment Breakdown 
  • Spoilage
  • Property in Transit
  • Property of Independent Contractors 

Professional Program Insurance Brokerage
1304 Southpoint Blvd, Suite 101 Petaluma, CA 94954
CA License #0H27235

Coverages Offered

Fiduciary Liability

Cyber Liability

Employment Practices Liability (EPLI)

Building Liability

Data Breach And Information Security Liability

Directors And Officers Liability

Electronic Data Liability

Employee Benefits Liability Coverage

General Liability

Premises Liability

Private Company Management Liability

Products/Completed Operations Liability

Professional Liability Insurance (E&O)

Umbrella Liability

Availability

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